REDW Wealth 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M CO	COM	88579Y101	203,784	2,036	SH		SOLE		0	0	2,036
ABBOTT LABS	COM	002824100	273,134	2,505	SH		SOLE		0	0	2,505
ABBOTT LABS	COM	002824100	5,451	50	SH		DFND		0	0	50
ABRDN ASIA PACIFIC INCOME FU	COM	003009107	81,000	30,000	SH		SOLE		0	0	30,000
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	299,654	971	SH		SOLE		0	0	971
ALPHABET INC	CAP STK CL C	02079K107	791,265	6,541	SH		SOLE		0	0	6,541
ALPHABET INC	CAP STK CL A	02079K305	900,982	7,527	SH		SOLE		0	0	7,527
ALPHABET INC	CAP STK CL A	02079K305	31,482	263	SH		DFND		0	0	263
AMAZON COM INC	COM	023135106	2,727,653	20,924	SH		SOLE		0	0	20,924
AMAZON COM INC	COM	023135106	15,253	117	SH		DFND		0	0	117
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	2,549,952	47,388	SH		SOLE		0	0	47,388
AMERICAN CENTY ETF TR	INTL EQT ETF	025072703	1,935,621	33,722	SH		SOLE		0	0	33,722
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	523,635	6,747	SH		SOLE		0	0	6,747
AMERICAN CENTY ETF TR	US EQT ETF	025072885	9,144,327	121,616	SH		SOLE		0	0	121,616
AMERICAN EXPRESS CO	COM	025816109	462,676	2,656	SH		SOLE		0	0	2,656
AMERICAN TOWER CORP NEW	COM	03027X100	304,292	1,569	SH		SOLE		0	0	1,569
APPLE INC	COM	037833100	11,282,075	58,164	SH		SOLE		0	0	58,164
APPLE INC	COM	037833100	71,769	370	SH		DFND		0	0	370
AT&T INC	COM	00206R102	81,358	5,101	SH		SOLE		0	0	5,101
AT&T INC	COM	00206R102	79,750	5,000	SH		DFND		0	0	5,000
AVIS BUDGET GROUP	COM	053774105	205,803	900	SH		SOLE		0	0	900
BANK MONTREAL QUE	COM	063671101	200,489	2,220	SH		SOLE		0	0	2,220
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	3,154,250	9,250	SH		SOLE		0	0	9,250
BP PLC	SPONSORED ADR	055622104	153,947	4,362	SH		SOLE		0	0	4,362
BP PLC	SPONSORED ADR	055622104	84,696	2,400	SH		DFND		0	0	2,400
CATERPILLAR INC	COM	149123101	497,021	2,020	SH		SOLE		0	0	2,020
CHEVRON CORP NEW	COM	166764100	203,813	1,295	SH		SOLE		0	0	1,295
CHEVRON CORP NEW	COM	166764100	30,054	191	SH		DFND		0	0	191
CHUBB LIMITED	COM	H1467J104	1,441,505	7,486	SH		SOLE		0	0	7,486
CISCO SYS INC	COM	17275R102	323,973	6,262	SH		SOLE		0	0	6,262
COSTCO WHSL CORP NEW	COM	22160K105	669,364	1,243	SH		SOLE		0	0	1,243
DANAHER CORPORATION	COM	235851102	801,162	3,338	SH		SOLE		0	0	3,338
DEERE & CO	COM	244199105	421,398	1,040	SH		SOLE		0	0	1,040
DEERE & CO	COM	244199105	4,863	12	SH		DFND		0	0	12
DELTA AIR LINES INC DEL	COM NEW	247361702	299,930	6,309	SH		SOLE		0	0	6,309
DELTA AIR LINES INC DEL	COM NEW	247361702	13,502	284	SH		DFND		0	0	284
DIMENSIONAL ETF TRUST	INTL CORE EQT MK	25434V203	461,599	16,896	SH		SOLE		0	0	16,896
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	263,855	11,247	SH		SOLE		0	0	11,247
DIMENSIONAL ETF TRUST	US HIGH PROFITAB	25434V831	6,455,740	243,246	SH		SOLE		0	0	243,246
DISCOVER FINL SVCS	COM	254709108	327,356	2,801	SH		SOLE		0	0	2,801
DISCOVER FINL SVCS	COM	254709108	2,454	21	SH		DFND		0	0	21
ENBRIDGE INC	COM	29250N105	178,098	4,794	SH		SOLE		0	0	4,794
ENBRIDGE INC	COM	29250N105	74,300	2,000	SH		DFND		0	0	2,000
EXXON MOBIL CORP	COM	30231G102	479,434	4,470	SH		SOLE		0	0	4,470
EXXON MOBIL CORP	COM	30231G102	195,732	1,825	SH		DFND		0	0	1,825
FLEXSHARES TR	HIG YLD VL ETF	33939L662	12,577,425	311,014	SH		SOLE		0	0	311,014
FLEXSHARES TR	HIG YLD VL ETF	33939L662	359,916	8,900	SH		DFND		0	0	8,900
FLEXSHARES TR	STOXX GLOBR INF	33939L795	611,362	11,675	SH		SOLE		0	0	11,675
FLEXSHARES TR	INTL QLTDV DEF	33939L811	231,132	11,508	SH		SOLE		0	0	11,508
FLEXSHARES TR	QLT DIV DEF IDX	33939L845	1,597,065	28,569	SH		SOLE		0	0	28,569
FORD MTR CO DEL	COM	345370860	216,293	14,296	SH		SOLE		0	0	14,296
FREEPORT-MCMORAN INC	CL B	35671D857	263,880	6,597	SH		SOLE		0	0	6,597
GLOBAL X FDS	US INFR DEV ETF	37954Y673	4,080,652	129,833	SH		SOLE		0	0	129,833
GRAINGER W W INC	COM	384802104	236,577	300	SH		SOLE		0	0	300
HOME DEPOT INC	COM	437076102	329,199	1,060	SH		SOLE		0	0	1,060
INTEL CORP	COM	458140100	649,749	19,430	SH		SOLE		0	0	19,430
INTUIT	COM	461202103	1,440,092	3,143	SH		SOLE		0	0	3,143
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	7,911,640	52,871	SH		SOLE		0	0	52,871
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	169,094	1,130	SH		DFND		0	0	1,130
INVESCO QQQ TR	UNIT SER 1	46090E103	3,667,836	9,929	SH		SOLE		0	0	9,929
INVESCO QQQ TR	PUT	46090E103	36,942	100	PRN	Put	SOLE		0	0	100
ISHARES INC	EM MKTS DIV ETF	464286319	269,133	10,985	SH		SOLE		0	0	10,985
ISHARES INC	CORE MSCI EMKT	46434G103	830,241	16,844	SH		SOLE		0	0	16,844
ISHARES INC	MSCI EMRG CHN	46434G764	7,601,452	146,238	SH		SOLE		0	0	146,238
ISHARES INC	MSCI EMRG CHN	46434G764	62,376	1,200	SH		DFND		0	0	1,200
ISHARES INC	ESG AWR MSCI EM	46434G863	1,000,890	31,644	SH		SOLE		0	0	31,644
ISHARES TR	CORE S&P500 ETF	464287200	1,074,517	2,411	SH		SOLE		0	0	2,411
ISHARES TR	CORE US AGGBD ET	464287226	1,713,930	17,498	SH		SOLE		0	0	17,498
ISHARES TR	MSCI EMG MKT ETF	464287234	3,569,460	90,229	SH		SOLE		0	0	90,229
ISHARES TR	GLOBAL TECH ETF	464287291	259,333	4,170	SH		SOLE		0	0	4,170
ISHARES TR	S&P 500 GRWT ETF	464287309	1,095,119	15,538	SH		SOLE		0	0	15,538
ISHARES TR	MSCI EAFE ETF	464287465	233,813	3,225	SH		SOLE		0	0	3,225
ISHARES TR	RUS MID CAP ETF	464287499	519,682	7,116	SH		SOLE		0	0	7,116
ISHARES TR	ISHARES SEMICDTR	464287523	334,792	660	SH		SOLE		0	0	660
ISHARES TR	RUS 1000 GRW ETF	464287614	371,818	1,351	SH		SOLE		0	0	1,351
ISHARES TR	RUSSELL 2000 ETF	464287655	414,804	2,215	SH		SOLE		0	0	2,215
ISHARES TR	RUSSELL 3000 ETF	464287689	369,505	1,452	SH		SOLE		0	0	1,452
ISHARES TR	US HLTHCARE ETF	464287762	204,865	731	SH		SOLE		0	0	731
ISHARES TR	CRE U S REIT ETF	464288521	483,487	9,405	SH		SOLE		0	0	9,405
ISHARES TR	3 7 YR TREAS BD	464288661	292,069	2,534	SH		SOLE		0	0	2,534
ISHARES TR	EXPONENTIAL TECH	46434V381	1,404,290	25,257	SH		SOLE		0	0	25,257
ISHARES TR	ESG AWR MSCI USA	46435G425	1,868,018	19,167	SH		SOLE		0	0	19,167
ISHARES TR	ESG AW MSCI EAFE	46435G516	1,115,142	15,291	SH		SOLE		0	0	15,291
ISHARES TR	IBONDS DEC 2030	46436E726	340,600	16,066	SH		SOLE		0	0	16,066
J P MORGAN EXCHANGE TRADED F	US QUALTY FCTR	46641Q761	23,954,104	540,969	SH		SOLE		0	0	540,969
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	8,671,312	172,942	SH		SOLE		0	0	172,942
JOHNSON & JOHNSON	COM	478160104	561,227	3,391	SH		SOLE		0	0	3,391
JOHNSON & JOHNSON	COM	478160104	7,614	46	SH		DFND		0	0	46
JPMORGAN CHASE & CO	COM	46625H100	1,088,849	7,487	SH		SOLE		0	0	7,487
LINDE PLC	SHS	G54950103	841,044	2,207	SH		SOLE		0	0	2,207
LINDE PLC	SHS	G54950103	12,957	34	SH		DFND		0	0	34
LOWES COS INC	COM	548661107	231,343	1,025	SH		SOLE		0	0	1,025
MARSH & MCLENNAN COS INC	COM	571748102	489,008	2,600	SH		SOLE		0	0	2,600
MASTERCARD INCORPORATED	CL A	57636Q104	597,816	1,520	SH		SOLE		0	0	1,520
MCDONALDS CORP	COM	580135101	411,508	1,379	SH		SOLE		0	0	1,379
META PLATFORMS INC	CL A	30303M102	435,923	1,519	SH		SOLE		0	0	1,519
META PLATFORMS INC	CL A	30303M102	18,367	64	SH		DFND		0	0	64
MICROSOFT CORP	COM	594918104	4,556,295	13,380	SH		SOLE		0	0	13,380
MICROSOFT CORP	COM	594918104	315,681	927	SH		DFND		0	0	927
NEXTERA ENERGY INC	COM	65339F101	455,885	6,144	SH		SOLE		0	0	6,144
NORFOLK SOUTHN CORP	COM	655844108	391,586	1,727	SH		SOLE		0	0	1,727
NOVO-NORDISK A S	ADR	670100205	415,094	2,565	SH		SOLE		0	0	2,565
NVIDIA CORPORATION	COM	67066G104	396,431	937	SH		SOLE		0	0	937
NVIDIA CORPORATION	COM	67066G104	21,998	52	SH		DFND		0	0	52
ORACLE CORP	COM	68389X105	357,866	3,005	SH		SOLE		0	0	3,005
PARAMOUNT GLOBAL	CLASS B COM	92556H206	159,100	10,000	SH		SOLE		0	0	10,000
PEPSICO INC	COM	713448108	557,563	3,010	SH		SOLE		0	0	3,010
PEPSICO INC	COM	713448108	24,635	133	SH		DFND		0	0	133
PROCTER AND GAMBLE CO	COM	742718109	773,586	5,098	SH		SOLE		0	0	5,098
PROCTER AND GAMBLE CO	COM	742718109	3,642	24	SH		DFND		0	0	24
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	494,013	5,043	SH		SOLE		0	0	5,043
REPUBLIC SVCS INC	COM	760759100	373,638	2,439	SH		SOLE		0	0	2,439
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	3,409,366	65,945	SH		SOLE		0	0	65,945
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	518,430	6,917	SH		SOLE		0	0	6,917
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	687,110	27,897	SH		SOLE		0	0	27,897
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	239,466	7,215	SH		SOLE		0	0	7,215
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	1,317,983	36,970	SH		SOLE		0	0	36,970
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	386,322	8,369	SH		SOLE		0	0	8,369
SCHWAB STRATEGIC TR	US REIT ETF	808524847	1,389,973	71,171	SH		SOLE		0	0	71,171
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	635,354	13,220	SH		SOLE		0	0	13,220
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	264,838	1,995	SH		SOLE		0	0	1,995
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	362,545	2,135	SH		SOLE		0	0	2,135
SELECT SECTOR SPDR TR	ENERGY	81369Y506	500,170	6,162	SH		SOLE		0	0	6,162
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	368,956	10,945	SH		SOLE		0	0	10,945
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	602,836	3,467	SH		SOLE		0	0	3,467
SELECT SECTOR SPDR TR	COMMUNICATION	81369Y852	255,114	3,920	SH		SOLE		0	0	3,920
SOUTHERN CO	COM	842587107	370,870	5,279	SH		SOLE		0	0	5,279
SOUTHWEST AIRLS CO	COM	844741108	335,421	9,263	SH		SOLE		0	0	9,263
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	272,653	8,379	SH		SOLE		0	0	8,379
SPDR S&P 500 ETF TR	TR UNIT	78462F103	6,601,514	14,892	SH		SOLE		0	0	14,892
SPDR S&P 500 ETF TR	PUT	78462F103	664,920	1,500	PRN	Put	SOLE		0	0	1,500
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	375,623	784	SH		SOLE		0	0	784
SPDR SER TR	PRTFLO S&P500 VL	78464A508	1,191,973	27,592	SH		SOLE		0	0	27,592
SPDR SER TR	S&P DIVID ETF	78464A763	816,751	6,663	SH		SOLE		0	0	6,663
SPDR SER TR	PORTFOLIO SH TSR	78468R101	694,271	24,115	SH		SOLE		0	0	24,115
STARBUCKS CORP	COM	855244109	291,121	2,939	SH		SOLE		0	0	2,939
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	236,153	2,340	SH		SOLE		0	0	2,340
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	16,047	159	SH		DFND		0	0	159
TESLA INC	COM	88160R101	1,286,338	4,914	SH		SOLE		0	0	4,914
TESLA INC	COM	88160R101	15,968	61	SH		DFND		0	0	61
TEXAS INSTRS INC	COM	882508104	494,032	2,744	SH		SOLE		0	0	2,744
THERMO FISHER SCIENTIFIC INC	COM	883556102	484,189	928	SH		SOLE		0	0	928
UNION PAC CORP	COM	907818108	687,471	3,360	SH		SOLE		0	0	3,360
UNION PAC CORP	COM	907818108	2,456	12	SH		DFND		0	0	12
UNITED PARCEL SERVICE INC	CL B	911312106	556,930	3,107	SH		SOLE		0	0	3,107
UNITEDHEALTH GROUP INC	COM	91324P102	439,346	914	SH		SOLE		0	0	914
UNITEDHEALTH GROUP INC	COM	91324P102	11,536	24	SH		DFND		0	0	24
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	19,236,650	254,554	SH		SOLE		0	0	254,554
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	4,308,480	59,272	SH		SOLE		0	0	59,272
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	543,312	1,334	SH		SOLE		0	0	1,334
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	13,257,128	158,654	SH		SOLE		0	0	158,654
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	182,328	2,182	SH		DFND		0	0	2,182
VANGUARD INDEX FDS	MID CAP ETF	922908629	4,092,487	18,589	SH		SOLE		0	0	18,589
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	869,872	4,291	SH		SOLE		0	0	4,291
VANGUARD INDEX FDS	GROWTH ETF	922908736	2,300,927	8,132	SH		SOLE		0	0	8,132
VANGUARD INDEX FDS	VALUE ETF	922908744	3,340,948	23,511	SH		SOLE		0	0	23,511
VANGUARD INDEX FDS	SMALL CP ETF	922908751	815,099	4,098	SH		SOLE		0	0	4,098
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	45,015,057	204,354	SH		SOLE		0	0	204,354
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	7,810,291	191,993	SH		SOLE		0	0	191,993
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	1,192,471	25,147	SH		SOLE		0	0	25,147
VANGUARD SCOTTSDALE FDS	SHORT TERM TREAS	92206C102	7,029,986	121,774	SH		SOLE		0	0	121,774
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	2,676,173	35,371	SH		SOLE		0	0	35,371
VANGUARD SCOTTSDALE FDS	INTER TERM TREAS	92206C706	5,984,246	102,016	SH		SOLE		0	0	102,016
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	3,926,969	49,690	SH		SOLE		0	0	49,690
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	25,744,178	557,475	SH		SOLE		0	0	557,475
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	991,077	9,344	SH		SOLE		0	0	9,344
VISA INC	COM CL A	92826C839	809,570	3,409	SH		SOLE		0	0	3,409
VISA INC	COM CL A	92826C839	4,750	20	SH		DFND		0	0	20
WALMART INC	COM	931142103	858,675	5,463	SH		SOLE		0	0	5,463
WALMART INC	COM	931142103	2,987	19	SH		DFND		0	0	19
WISDOMTREE TR	EM EX ST-OWNED	97717X578	1,002,008	35,850	SH		SOLE		0	0	35,850